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Hello!
I earned my PsyD in clinical psychology and have accrued 31k in federal student loan debt.
I am currently on a two year fellowship where I make $46500 this academic year and $48500 next academic year. After these two years I expect to make at least 100k a year (neuropsychology). I would be eligible for PSLF (but hey so were the 98% of people who were rejected so I don't want to rely on it)
Other debt:
No undergrad debt
No CC debt
Car lease ($300 per month payment)
Savings:
20k in retirement account
2k emergency fund (had to dip in for my move for fellowship)
Does anyone have advice for which payment plan to choose? I am not going to be able to save much money these next 2 years in a high COL area so I don't think I'll really be contributing much to retirement or savings. Lower payments for the next 2 years would be very helpful.
Thank you for your time!
I earned my PsyD in clinical psychology and have accrued 31k in federal student loan debt.
I am currently on a two year fellowship where I make $46500 this academic year and $48500 next academic year. After these two years I expect to make at least 100k a year (neuropsychology). I would be eligible for PSLF (but hey so were the 98% of people who were rejected so I don't want to rely on it)
Other debt:
No undergrad debt
No CC debt
Car lease ($300 per month payment)
Savings:
20k in retirement account
2k emergency fund (had to dip in for my move for fellowship)
Does anyone have advice for which payment plan to choose? I am not going to be able to save much money these next 2 years in a high COL area so I don't think I'll really be contributing much to retirement or savings. Lower payments for the next 2 years would be very helpful.
Thank you for your time!
